getting 403 error on stripe while using stripe on local

I get 403 error on stripe, when I call the stripe method on local with php from 7.1 to 8.1 (checked with many versions of php) on same system when calling the same service using curl, the service response is 200

on test server (online test server with ssl in place) code works in php

I had a hunch maybe things are related to curl.cainfo in php.ini so, I replace a new cacert.pem still same problem